Carter Bankshares, Inc. (CARE) vs Peoples Financial Services Corp. (PFIS)

Carter Bankshares, Inc. and Peoples Financial Services Corp. are both Banks Regional companies. Carter Bankshares, Inc. and Peoples Financial Services Corp. are of similar size ($693.7M and $666.5M). Carter Bankshares, Inc. trades at the lower P/E: 5.2× against 12.3×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 40.1% against 0.46%. Carter Bankshares, Inc. has the higher net margin (36.6% vs 19.8%) and the higher return on invested capital (39.4% vs 8.38%). Both pay a dividend; Peoples Financial Services Corp. yields more (5.64% vs 2.58%). Across the 20 metrics below, Carter Bankshares, Inc. leads on 14 and Peoples Financial Services Corp. on 6.

Valuation

Metric CARE PFIS Banks Regional median
P/E 5.22 12.30 12.15
P/S 1.89 2.43 2.37
P/B 1.23 1.30 1.21
Price to free cash flow 11.27 14.09 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.61 2.40 2.27
Earnings yield 19.17% 8.13% 8.11%
Free cash flow yield 8.88% 7.10% 8.98%

Profitability

Metric CARE PFIS Banks Regional median
Gross margin 72.83% 68.05% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 36.60% 19.78% 18.66%
Free cash flow margin 16.81% 17.28% 21.18%
Return on equity 27.08% 11.02% 10.64%
Return on assets 2.67% 1.08% 1.13%
Return on invested capital 39.39% 8.38% 8.33%

Growth

Metric CARE PFIS Banks Regional median
Revenue growth (TTM) 40.09% 0.46% 6.61%
EPS growth (last fiscal year) 30.19% 493.94% —
Revenue growth, 5-year CAGR 8.73% 20.50% 12.30%
Net income growth, 5-year CAGR 0.00% 15.06% 9.71%

Health

Metric CARE PFIS Banks Regional median
Debt to equity 0.00 0.46 0.22
Current ratio 0.94 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARE PFIS Banks Regional median
Dividend yield 2.58% 5.64% 3.75%
Payout ratio 0.00 0.32 0.27

Size

Metric CARE PFIS Banks Regional median
Market cap 666.47m 693.72m 921.07m

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